Home Equity Loans

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Use the equity you've built in your own home to make home improvements, consolidate debt, and more. The interest you pay might even be tax-deductible.¹

• Use your home equity to fund important expenses
• Competitive fixed rates
• Lower rates than credit cards
• Fixed rates and monthly payments for easy budgeting
• Includes biweekly payment options to save thousands in interest
• Interest may be tax-deductible¹
• Discounted rates available when you make automatic payments from First Citizens Checking or Savings
• Local decision-making and processing right here in Pennsylvania
• Attentive, friendly service from start to finish

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Before you drain your emergency fund, consider using the equity you've built in your home as a line of credit. Draw funds as you need them, and reuse without having to reapply. And you only need to pay interest on what you use.

• Use your home's equity as a line of credit
• Draw what you need, when you need it
• Make a payment, then reuse without having to reapply
• Competitive, variable rates
• Lower than credit cards
• Pay interest only on what you use
  • Interest may be tax-deductible¹
• Several convenient ways to access funds
  • Check
  • ATM
• On-line transfer to your checking
• Local decision-making and processing right here in Pennsylvania
• Attentive, friendly service from start to finish

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A First Citizens YourChoice Home Equity Line of Credit allows you to borrow what you need when you need it. Choose when to use it, and when to lock in a rate to protect yourself in a rising-rate environment. 

Flexibility

• Funds can be used to satisfy whatever expense customers may have:
  • Home improvements
  • College education
  • Vacations
  • Debt consolidation
  • And more
• No pre-payment penalties  

Competitive, Low Rates

• Variable rate line of credit
  • Option to convert any balance to a fixed-rate loan and still have access to the remaining line of credit
  • As you pay the fixed-rate portion down, the available line increases
• Usually lower rate than credit card or department store cards 

Convenience

• Funds can be accessed in a number of ways:
  • Check
  • ATM
  • Online transfer to your FCCB checking
  • Overdraft protection on a FCCB checking account
• Can have up to 3 fixed-rate locks at one time
• Only one payment
• Interest may be tax deductible¹

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Home Improvement Calculator

Consolidation Calculator